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    OCBC FRANK Credit Card For Entertainment

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    Specifically designed to appeal to the younger age groups of society, the OCBC FRANK Credit Card aims at giving you rebates for spends across various categories. The next time you want to hang out with your friends at a mall or grab a bite with your pals, take this card along and get rewarded for using it to pay while you’re having fun. It gives you an online rebate of 6%, 5% on entertainment spends, and 6% rebates on mobile payments. Apart from this, you also get 0.3% rebate on all other transactions. This card also features the tap and go feature, allowing you to pay for your purchases with a simple tap. Buy faster, pay faster, move on. It’s that simple. If you apply for the card by 31 October 2018, the bank is also offering you a cash reward of S$50. Want a card that is as cool, outgoing, and snazzy as you are? Then check it out today.

    Key Features

    Features Description
    Cash rebate on dining
    • 5% on weekend dining
    • 3% on weekday dining
    Cash rebate on online shopping 6%
    Cash rebate on entertainment
    • 5% between Fridays and Sundays
    • 3% on other days
    Cash rebate on NETS FlashPay Auto Top-Ups 3% on the first 2 top-ups every month
    Cash rebate on all other retail spends 0.3%
    Complimentary travel insurance Not available

    Great Way to Earn Rebates

    Do you love shopping online? If so, then you should consider using the OCBC FRANK Credit Card to pay for your purchases since you will get a rebate of 6% when you charge online transactions to it. It covers everything from purchasing gadgets and clothes to booking movies, flights, hotel rooms, and more. Taking a cab to the movies? Pay for your Grab rides using it and get these rebates as well. The card also offers a 5% rebate on entertainment spends. Every Friday to Sunday, you can get a 5% rebate at various bars in the country. You also get the same rate of rebates when you spend at cinemas, clubs, selected cafes such as Dimbulah Coffee, Costa Coffee, The Coffee Bean & Tea Leaf, Coffee Club, Starbucks, and more. On all the other days of the week, you get rebates of 3% on these spends. You also get a 3% rebate on your first two auto top ups for NETS FlashPay. The maximum rebate you can get every month is limited to S$60. You can do this if you spend at least S$400 every month on this credit card on in-store purchases (transactions made online are not eligible for this minimum spend calculation). On all other spends, you are eligible to get a rebate rate of 0.3%.

    Earn 6% Rebates on Mobile Payments

    Mobile payments are popular among the youngsters today, and to help you capitalise on this facility, this card also gives you a rebate of 6% on the transactions you pay for using your mobile. This could be done via Samsung Pay, Google Pay, or Apple Pay. The bank has also brought down the minimum spend criteria to just S$300 per month to get this rate of rebate on mobile payments. This offer is valid till 31 December 2018, and you can register for it by sending an SMS to the bank in the required format. For existing card members, this offer extends to the first 15,000 customers who sign up for it.

    Mobile Payments Make Everything Easy

    Everything is seemingly easier when you use a mobile phone. This card also enables the tap and go feature on your mobile so that you can pay for your purchases in an instant. Whether you’re shopping, paying for a movie or a meal, or conducting any other feasible transaction, all you have to do is tap, pay, and be on your way.

    Shop Online to Your Heart’s Content

    Staying true to the fact that it was curated specifically to reward you when you shop online, the OCBC FRANK Credit Card rewards you with 6% rebates at various brands. Along with this, you also get access to a host of offers and deals from merchants such as Nike, Shopee, Shaw Theatres, Apple Online, Zalora, Naiise, Expedia, Swensen’s, Vaniday, and a lot more. All these offers are promotions ending on different dates. Check with the merchant or with OCBC before you purchase.

    Learn to Manage Your Finances Better

    A card that helps you spend wisely? What more could you want? With this card, you can learn how to set goals to save money, budget your finances, and manage your money in a better way. Get tips on handling cash and building your savings as well.

    An Extra Reward Just for You

    If you’re thinking of applying for this card, doing it before 31 October will get you a cash reward of S$50 from OCBC. Remember that to get this reward you need to sign up for the card online. Simply fill up the online form and the bank will contact you.

    Any Other Benefits

    • Select your card design from over 120 designs.
    • Use mobile wallets such as Google Pay, Apple Pay, and Samsung pay to make contactless payments.
    • Link your credit card to a FRANK or an OCBC 360 account and get access to Saving Goals and Money In$ights.
    • Retail purchases through PayPal will earn you cash rebates provided the item has a Merchant Category Code (MCC) allotted by Visa.
    • To know more, visit our OCBC credit card promotions page to check out the list of offers and their expiry dates.

    How Can You Earn Cash Rebates?

    • Spend at least S$400 on offline transactions in a month to be eligible for additional cash rebates on online shopping, entertainment related purchases and NETS FlashPay top-ups.
    • Earn 0.3% rebate on all retail purchases. Also, if monthly minimum spend is criterion is not met, earn 0.3% rebate on all retail transactions.
    • Cash rebate is capped at S$60 per month.

    Calculate Cash Rebate from OCBC FRANK Card

    Suppose you have spent S$1,000 in a month across spend categories in Singapore. According to the programme, you need to spend at least S$400 on offline purchases to earn rebates. Hence, the amount of cash rebate you will earn for different categories is shown in a table below:

    Cash rebate Monthly spend Cash rebate rate Cash rebate amount
    Dining S$300 5% S$15
    Online shopping S$200 6% S$12
    Entertainment S$500 5% S$25
    Total S$1,000 Cash rebate earned is S$52

    OCBC FRANK Card Interest Rates

    Type of Interest Rate
    Retail purchases 25.92% p.a.
    Cash advance 28.92% p.a.
    Instalment Payment Plan 0%

    OCBC FRANK Card Other Charges

    Type of charge Charge
    Annual fee S$80 (waived for the first two years)
    Overseas transaction fee 2.8%
    Late payment fee S$100
    Cash advance fee S$15 or 6% of the transacted amount, whichever is more
    Supplementary card fee S$40 (waived for the first two years)

    Activating the Card for Overseas Expenses

    Yes, you must activate the magnetic stripe on the back of your credit card for overseas use. This stripe remains inactive, by default, to prevent fraudulent activities on your card. To activate this feature, you can follow these steps:

    • Send an SMS to OCBC to activate the card in one day.
    • Go to any of the nearest bank branches and activate your card.
    • Visit the OCBC website to activate the overseas transaction feature.
    • Log into your online or mobile banking account to instantly activate the feature.
    • Call the customer service helpline.

    Once you return to Singapore, you must deactivate the overseas use feature to keep your card safe.

    What Instalment Payment Plans Are Available

    • Convert your high-priced purchases of S$100 and above into affordable and fixed monthly instalments with the interest-free PayLite instalment payment plan.
    • Spread out your payments over 24 months to reduce your cost liability.
    • A low one-time processing fee, starting from 3%, will apply.
    • The effective interest rate for 24 months is as low as 9.15% p.a.

    Cash Withdrawal on the Credit Card

    • The maximum cash withdrawal amount from an ATM is pegged at S$1,000 per transaction.
    • A maximum of S$20,000 per day can be withdrawn from the ATM.
    • Alternatively, you are allowed to withdraw up to 70% of your available credit limit.
    • ATMs abroad may have different withdrawal limits.
    • You can withdraw from any OCBC ATM in Singapore and from ATMs that have a Visa or a Mastercard logo when overseas.

    Eligibility Criteria

    Visit our dedicated OCBC credit card main page to check the eligibility criteria for this card.

    Lost/Stolen Cards

    • Notify the bank instantly by calling the customer service.
    • File a police complaint and submit the report to the bank.
    • Write a letter to OCBC confirming the theft/loss/damage of the credit card.
    • The maximum liability for any illegal use of your card will be S$100 if you can prove that you were not careless or involved in the theft/loss.

    Find out about the various perks and benefits of a credit card when applying online. With credit cards explained in detail on our website, you can make a quick comparison, read the information, and decide on the right card.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions – Use the GIRO option

    If you intend to pay either the full card amount or the minimum amount every month, you can set up a GIRO transaction with a bank account. Fill up the GIRO form and send to the bank. You will not have to worry about remembering monthly payment due dates on the card.

    How to Apply for the Card & Check the Application Status – Online/At branch

    Using the OCBC Bank’s online portal, you can apply for an OCBC Frank Credit Card. You could also visit a FRANK store or an OCBC branch. You can track your card application status by reaching out to the OCBC’s 24/7 customer service hotline.

    How to Check Balance – Phone banking/internet banking/mobile app/SMS

    Your card balance can be tracked in one of these ways:

    • SMS banking
    • Phone banking
    • Mobile banking
    • Internet banking

    How Can the Bill Be Paid? – ATM/FAST/GIRO/NETS and others

    Pay your credit card bill in one of these ways:

    • Cash
    • Cheque
    • Internet banking
    • Any OCBC ATM
    • Interbank GIRO
    • Phone banking
    • Mobile banking
    • Cash deposit machine
    • Any OCBC Bank branch
    • Via FAST (Fast and Secure Transfer)
    • NETS or CashCard via any iNETS Kiosk
    • AXS m-Station, AXS Station, and AXS e-Station

    How Much Is the Minimum Payment to Be Made on the Card? – S$50 or 3% of the bill

    Your minimum payment every month will either be 3% of the pending balance amount or S$50, whichever amount is higher, will be considered. All outstanding dues from the previous billing cycles have to have been cleared to enjoy this perk.

    What Is the Grace Period? – 23 days

    You’ll qualify for an interest-free period of 23 days only if you don’t have any outstanding dues from your previous billing cycles.

    Which Mobile Wallets Can This Card Be Used With? – Apple Pay/Garmin Pay/Samsung Pay/Google Pay/Fitbit Pay

    Your OCBC Frank Credit Card can be linked to the mobile wallets mentioned below:

    • Fitbit Pay
    • Apple Pay
    • Garmin Pay
    • Google Pay
    • Samsung Pay

    Can It Be Used With EZ-Link? Yes

    Yes, the OCBC Frank Credit Card can be used with EZ-Link.

    How to Block or Unblock the Card – Call OCBC hotline

    You need to call OCBC’s 24-hour customer service hotline to block or unblock your OCBC Frank Credit Card.

    How to Reset the PIN – Internet or Phone Banking/Submit a form

    You need to follow the steps mentioned below to reset your credit card PIN:

    • A form called ‘Services for Credit Card’ needs to be submitted to the OCBC Bank.
    • Select the option ‘Re-issue your Credit Card PIN’.
    • Use the business reply envelope to mail your signed and completed form to the OCBC Bank.
    • Your PIN will be reset within 5 working days.

    Alternatively, try using your phone banking or online banking credentials.

    What Is the Billing Cycle and the Bill Due Date? – Check your monthly bill

    Your monthly card statement will have the details regarding your billing cycle and due date. The billing period will be determined based on the number of working days in a month under consideration. The billing cycle will vary from customer to customer.

    How to Get a Replacement Card – Form/Phone banking/Internet banking/Mobile banking

    You need to submit the ‘Services for Credit Card’ form to the OCBC Bank. Your request for a replacement card will be processed in less than 5 business days. You could also use phone banking, mobile banking or internet banking modes.

    How to Temporarily Increase the Limit of the Card – Call the hotline

    In order to increase your credit limit on a temporary basis, you need to call OCBC’s hotline and get in touch with one of the customer service officers.

    You’ll be approved with a temporary increase on your card limit under the following circumstances:

    • Medical purposes
    • Wedding
    • Travel
    • Funeral expenses
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